As a high school student, you are generally not allowed to apply for a credit card. You can only apply for debit cards, but debit cards do not have overdraft functions. They are mainly debit cards and savings cards.

Because in the banking industry, credit cards specifically refer to credit cards, which are issued to cardholders by banks or credit card companies based on their creditworthiness and financial resources. Credit cards can be divided into two categories: credit cards and quasi-credit cards according to whether a reserve fund is deposited with the card-issuing bank. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Attachment: Credit card application conditions:

1. Be 18 years or older;

2. Have a fixed job and stable income, and the workplace is generally in the place of permanent residence Urban and rural residents;

3. Fill in the application form and sign in the "Applicant's signature" area.

To apply for a credit card, you need to provide the following information:

1. Copy of identity document, proof of employment, proof of income, etc.;

2. Provide bank deposit receipts, real estate Certificates, degree certificates, etc.;

3. For those with foreign registered residence, overseas personnel applying for local jobs, and active military officers applying for credit cards in their own names, some card-issuing banks may require a temporary certificate issued by the local public security department. Household registration or certificate issued by relevant departments (including work certificate).

The credit card application review is comprehensively assessed by the system, taking into account many factors, such as age, job stability, income, personal credit, etc., and is not determined by unilateral factors. . Everyone's situation will also be different and it is difficult to compare with each other.

In order to pass the system's comprehensive assessment and credit limit judgment. Detailed application materials are as follows:

1. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal ), or a copy of the original and marked work permit that has been verified by the promoter;

2. Proof of financial resources: it can be salary records issued by the bank, or income tax withholding vouchers, or houses, cars, Documents proving the market value of deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove the level of financial resources. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.